TEXAS GENERAL LINES LIFE, ACCIDENT AND
HEALTH INSURANCE 2 EXAM 2025/2026 ACTUAL
EXAM UPDATE WITH ALL COMPLETE TESTED
Page | 1
QUESTIONS WITH CORRECT ACCURATE
ANSWERS|EXPERT VERIFIED FOR GUARANTEED
PASS /TOP RATED A+.
TEXAS GENERAL LINES
Pass the Texas General Lines Life, Accident, and Health Insurance Exam
2025/2026 with confidence. This exam resource features questions in areas
like: life insurance, health policies, accident coverage, state regulations, and
professional ethics. It’s ideal for individuals seeking licensure as insurance
agents in Texas.
LIFE SECTION 1
1) An insured's premium for Life insurance is based mainly upon their:
A- Risk classification
B- Gender
C- Occupation
D- Age
2) A prospect's statements made in the application for insurance
constitute a part of which of the following? A- Subrogation Clause
B- Incontestability Clause
, C- Co-insurance Clause
D- Consideration Clause
Page | 2
3) In the formation of a Life insurance contract, the special significance of
a Conditional Receipt is that it: A- Serves as proof that the producer has
determined the applicant to be fully insurable for coverage by the
insurance company
B- Is intended to provide coverage on a date earlier than the date of the
issuance of the policy
C- Is given by the producer only to applicants who fully prepay all
scheduled premiums in advance of policy issue
D- Guarantees the applicant that a policy will be issued in the amount
applied for in the application
4) Life insurance becomes effective when: .A- When the insurer receives
the application at their home office
B- When the conditions in the conditional receipt are satisfied
C- The applicant writes the check and receives a conditional receipt
D- When the producer signs the application
5) A producer submits a completed and signed application to the
underwriter along with the first premium check. After checking the results
of the physical exam, the underwriter issues a 'rated' policy. Which of the
, following will not be required: .A- A statement that the applicant's health
has not changed since the physical exam
B- Additional premium to be collected at policy delivery
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C- A new completed and signed application
D- An explanation of the rating or premium surcharge to the client
6) Insurable interest must exist: .A- At the time of loss
B- In order to be named as beneficiary
C- At the time of application
D- Continuously
7) All of the following are a part of a Life insurance policy, EXCEPT the:
.A- Conditional Receipt
B- Incontestability Clause
C- Copy of the application
D- Insuring Clause
8) Once completed and signed by the applicant, a producer may change
an application: .A- With consent of his manager
B- If the applicant initials the change
C- With the verbal consent of the applicant
D- At anytime
, 9) An applicant has been denied insurance coverage because of
information contained in a consumer report. According to the Fair Credit
Reporting Act, all of the following statements are true about this
situation, EXCEPT: .A- The applicant has the right to obtain a copy of
Page | 4
the consumer report directly from an insurance company that used the
report
B- The reporting agency cannot issue any report containing adverse
information about the applicant that predates the report by more than
seven years, except in the case of a bankruptcy, which may be reported
for a 14-year period
C- The applicant has the right to obtain disclosure of the substance of the
information in the consumer report from the reporting agency
D- The applicant has the right to obtain the identity of other inquirers
who have obtained consumer reports on him within the past six months
from the reporting agency
10) On May 8th a prospect filled out an application for a life insurance
policy but paid no premium. The insurance company approved the
application on May 14th and issued the policy on May 15th. The
producer delivered the policy on May 26th and collected the first
premium. The coverage became effective on: .A- May 26th
B- May 8th
C- May 15th
D- May 14th
HEALTH INSURANCE 2 EXAM 2025/2026 ACTUAL
EXAM UPDATE WITH ALL COMPLETE TESTED
Page | 1
QUESTIONS WITH CORRECT ACCURATE
ANSWERS|EXPERT VERIFIED FOR GUARANTEED
PASS /TOP RATED A+.
TEXAS GENERAL LINES
Pass the Texas General Lines Life, Accident, and Health Insurance Exam
2025/2026 with confidence. This exam resource features questions in areas
like: life insurance, health policies, accident coverage, state regulations, and
professional ethics. It’s ideal for individuals seeking licensure as insurance
agents in Texas.
LIFE SECTION 1
1) An insured's premium for Life insurance is based mainly upon their:
A- Risk classification
B- Gender
C- Occupation
D- Age
2) A prospect's statements made in the application for insurance
constitute a part of which of the following? A- Subrogation Clause
B- Incontestability Clause
, C- Co-insurance Clause
D- Consideration Clause
Page | 2
3) In the formation of a Life insurance contract, the special significance of
a Conditional Receipt is that it: A- Serves as proof that the producer has
determined the applicant to be fully insurable for coverage by the
insurance company
B- Is intended to provide coverage on a date earlier than the date of the
issuance of the policy
C- Is given by the producer only to applicants who fully prepay all
scheduled premiums in advance of policy issue
D- Guarantees the applicant that a policy will be issued in the amount
applied for in the application
4) Life insurance becomes effective when: .A- When the insurer receives
the application at their home office
B- When the conditions in the conditional receipt are satisfied
C- The applicant writes the check and receives a conditional receipt
D- When the producer signs the application
5) A producer submits a completed and signed application to the
underwriter along with the first premium check. After checking the results
of the physical exam, the underwriter issues a 'rated' policy. Which of the
, following will not be required: .A- A statement that the applicant's health
has not changed since the physical exam
B- Additional premium to be collected at policy delivery
Page | 3
C- A new completed and signed application
D- An explanation of the rating or premium surcharge to the client
6) Insurable interest must exist: .A- At the time of loss
B- In order to be named as beneficiary
C- At the time of application
D- Continuously
7) All of the following are a part of a Life insurance policy, EXCEPT the:
.A- Conditional Receipt
B- Incontestability Clause
C- Copy of the application
D- Insuring Clause
8) Once completed and signed by the applicant, a producer may change
an application: .A- With consent of his manager
B- If the applicant initials the change
C- With the verbal consent of the applicant
D- At anytime
, 9) An applicant has been denied insurance coverage because of
information contained in a consumer report. According to the Fair Credit
Reporting Act, all of the following statements are true about this
situation, EXCEPT: .A- The applicant has the right to obtain a copy of
Page | 4
the consumer report directly from an insurance company that used the
report
B- The reporting agency cannot issue any report containing adverse
information about the applicant that predates the report by more than
seven years, except in the case of a bankruptcy, which may be reported
for a 14-year period
C- The applicant has the right to obtain disclosure of the substance of the
information in the consumer report from the reporting agency
D- The applicant has the right to obtain the identity of other inquirers
who have obtained consumer reports on him within the past six months
from the reporting agency
10) On May 8th a prospect filled out an application for a life insurance
policy but paid no premium. The insurance company approved the
application on May 14th and issued the policy on May 15th. The
producer delivered the policy on May 26th and collected the first
premium. The coverage became effective on: .A- May 26th
B- May 8th
C- May 15th
D- May 14th
